The Value of a Financial Planner

TV talking heads, industry insiders, world famous economists and of course your family and friends are more than happy to suggest how you should plan your retirement and where you should invest your money.

Their input could be both well-intentioned and good advice. Chances are, however, that none of these sources of guidance have all the information in hand or expertise to help you meet your retirement income goals and also be prepared for unforeseen challenges such as long-term medical care for a family member.

An Independence Financial Partner financial advisor has the experience and tools to prepare a retirement readiness assessment with you - followed by a candid conversation. The reality is that we’re not all buying sailboats in retirement. We’re living longer and while that sounds good, it means smart financial planning is that much more important to achieving retirement income security and preservation for your family.

An Independence Financial Partner financial planner will:

• Review your current income and debt (such as house, college, etc.)
  – Saving a little more can mean a lot!
  
• Review your current 401k/IRA allocation and fees
  - Are you paying too much?
  
• Discuss the role of Social Security in your planning
  – Does it make sense to delay withdraws?
  
• Discuss preparedness for potential long-term care (LTC) needs
  - Are you aware of your options?
  

We will “Stress test” your current retirement plan to see how it might absorb a dip in the stock market, unforeseen expenses, and longevity. For the majority of us, we are not doing enough to save adequately for any retirement scenario but that doesn’t mean it’s impossible. We can help you move towards a retirement you can look forward to.